Our illustration, not the card’s design
Chase credit card
Disney Inspire Card from Chase
- APR up · 18.24% to 18.49% · Oct 2, 2026
$149 a year. Purchase APR 18.49–27.99%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
“$149 †”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · chase.com
“0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.49%– 27.99%. †”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · chase.com
“No Foreign Transaction Fees”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $45 | $45 | |
| Typical spender | $305 | $305 | |
| Heavy spender | $765 | $765 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 3x 3% in Disney Rewards Dollars on card purchases at Disney Locations in the U.S..
$45a year
The same in the first year and after.
Rewards and credits$190
You keep $45−$150 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 3x 3% in Disney Rewards Dollars on card purchases at Disney Locations in the U.S..
$305a year
The same in the first year and after.
Rewards and credits$455
You keep $305−$150 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 3x 3% in Disney Rewards Dollars on card purchases at Disney Locations in the U.S..
$765a year
The same in the first year and after.
Rewards and credits$910
You keep $765−$150 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 3x 3% in Disney Rewards Dollars on card purchases at Disney Locations in the U.S..
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 75% of the 732 cards we track.
- Lower top APR than about 30% of the 651 cards we track.
Other cash back cards with fees up to $300
- Capital One Spark 2% Cash PlusCapital One · $150 a year+$145 a year
- Ink Business Premier(R)Chase · $195 a year+$100 a year
- Graphite Business Cash UnlimitedAmerican Express · $295 a yearabout the same
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Disney Rewards
How you earn
- 10%
- 10% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com (Disney+, Hulu or ESPN subscriptions and additional purchases)
- 3%
- 3% in Disney Rewards Dollars on card purchases at gas stations3% in Disney Rewards Dollars on card purchases at Disney Locations in the U.S.
- 2%
- 2% in Disney Rewards Dollars on card purchases at grocery stores2% in Disney Rewards Dollars on card purchases at restaurants, including takeout and eligible delivery services (excludes dining at U.S. Disney locations, which earn 3%)
- 1%
- Everything else
Cash back, as a share of each purchase.
Benefits
- New cardmember statement credit: $200 one time
- Disney streaming subscription statement credit: $10 monthly
- Baggage: $100 a day for up to 3 days
- Purchase protection: $500 per item
- Extended warranty
Changes
- Oct 2, 2026 APR 18.24% to 18.49%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com “$149 †” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · chase.com “0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.49%– 27.99%. †” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · chase.com “0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.49%–27.99%. † *” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · chase.com “18.49%– 27.99% variable APR. †” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · sites.chase.com “Either $5 or 5% of the amount of each transfer, whichever is greater.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · chase.com “No Foreign Transaction Fees” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $149 · chase.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · chase.com, since Sep 29, 2026
- What is the purchase APR?
- 18.49–27.99% APR · chase.com, since Oct 2, 2026
- Is there an intro APR?
- 0% Promo APR for First six months following the purchase date. · chase.com, since Oct 21, 2026